Review
Maximize Your Daily Savings with Up to 10% Cashback
The UOB One Platinum Card is a premier lifestyle companion designed to turn your necessary daily expenses into significant savings. By hitting a minimum monthly retail spend of RM1,500, cardholders unlock a generous 10% cashback across four essential categories: petrol, selected groceries (such as Jaya Grocer and Lotus's), dining, and all Grab transactions (including food and rides). Even if the minimum spend isn't met, you still earn a base 0.2% rebate, ensuring every swipe counts.
With an accessible annual income requirement of RM36,000, this card bridges the gap between entry-level accessibility and high-tier rewards. It is particularly effective for urban commuters and families who frequently use Grab services or shop at major supermarket chains. Furthermore, the annual fee of RM195 can be fully waived if you meet an annual spending milestone of RM20,000, making it a potentially cost-free tool for your financial arsenal.
Beyond cashback, the UOB One Platinum offers practical peace of mind with comprehensive travel insurance and purchase protection. Its integration with the UOB TMRW app allows for seamless tracking of your cashback earnings and monthly spend progress, ensuring you always stay on track to maximize your monthly rebates.
Verdict: If your monthly budget for essentials like petrol, dining, and groceries hits the RM1,500 mark, this card is one of the most rewarding options in Malaysia. It simplifies "saving while spending" for the modern consumer.
Pros
- High 10% cashback on petrol, dining, groceries, and Grab
- Accessible income requirement of RM36,000 per year
- Annual fee waiver available with RM20k annual spend
- Broad dining and grocery merchant coverage
Cons
- Monthly cashback is capped per category (e.g., RM15 for Platinum)
- Requires a minimum RM1,500 monthly spend to unlock 10% rate
- Base rate for non-category spend is very low at 0.2%
Cashback
Card benefits
No specific benefits listed.